3.956
Revenue$M
9.021
9.647
10.22
11.11
11.74
12.54
13.44
14.39
15.46
16.79
4.170
7.42%
7.44%
22
26.17
Revenue growth%
14.06
14.77
14.22
14.05
11.68
11.94
10.23
7.67
9.17
7.72
14.76
9.17
11.81
81
2.11
NIM%
28.89
29.66
31.99
29.31
32.20
34.44
37.35
36.42
37.78
39.80
13.43
37.35
33.32
87
16.27
Effic. R.%
25.83
27.69
27.59
25.01
27.67
28.15
27.75
28.07
30.12
28.45
27.69
28.15
27.72
61
29.88
Net margin%
2.94
4.39
5.50
4.35
4.93
3.73
4.19
4.92
5.20
5.46
21.50
4.92
4.65
89
8.769
P/E ratio (avg)x
19.62
21.70
25.31
23.93
22.67
21.79
24.64
25.01
24.02
22.65
15.75
24.02
23.30
7
21.85
P/TBVx
44.00
48.73
50.08
50.14
52.30
56.85
60.73
61.49
66.84
78.70
30.02
61.49
54.57
63
36.59
P/Bx
34.97
31.07
31.91
35.50
31.75
31.46
33.49
34.13
37.89
34.97
33.35
34.13
33.81
59
2.997
NII$M
6.008
6.398
6.814
7.543
7.783
8.461
8.907
9.771
10.43
11.37
18.89
7.87%
7.42%
—
24.58
NII grth%
1.65
0.75
0.54
0.40
0.40
0.40
0.40
0.40
3.25
2.08
16.21
0.40
0.47
50
6.46
ROTE%
25.03
27.47
29.49
28.00
28.56
27.25
28.61
29.65
32.38
29.87
18.65
29.65
28.59
35
16.10
Return on equity%
12.47
14.59
14.99
17.73
17.35
15.80
15.47
15.77
17.52
14.60
2.42
15.77
15.62
84
24.84
Return on assets%
20.45
20.67
18.11
20.46
21.38
19.32
20.58
18.37
17.75
19.92
8.06
19.32
20.19
75
0.47
EPS$
0.43
0.45
0.47
0.46
0.46
0.46
0.46
0.41
0.45
0.44
0.49
(0.64%)
(0.49%)
—
23.37
EPS growth%
32.36
35.23
36.37
35.60
36.78
37.65
40.23
39.41
41.83
41.12
16.46
40.23
37.21
28
0.24
Bookvalue per sh$
0.54
0.61
0.67
0.77
0.80
0.90
1.05
1.16
1.13
1.22
0.20
8.70%
9.89%
—
0.11
TBV/sh$
0.35
0.34
0.39
0.40
0.39
0.42
0.44
0.42
0.47
0.47
0.17
4.08%
3.49%
—
0.53
Dividend per sh$
0.38
0.34
0.37
0.36
0.36
0.35
0.32
0.35
0.33
0.34
0.10
(0.76%)
0.14%
—
14.45
Div yield (avg)%
21.74
20.78
22.30
19.41
16.88
19.82
19.75
18.93
18.14
16.37
13.75
18.93
19.58
69
23.12
Payout ratio%
23.73
22.38
23.61
21.20
21.97
20.73
19.59
21.48
23.77
26.45
5.00
21.48
22.18
65
23.44
Shares (diluted)M
31.92
34.40
37.30
40.07
40.73
40.23
41.84
41.25
43.20
42.50
23.49
0.85%
2.63%
45
19.38
Buyback yield%
18.39
16.55
16.19
18.21
17.87
18.06
20.33
21.23
18.57
21.14
5.23
20.33
18.30
48
37.06
Eq/Assets%
88.74
102.78
95.10
103.45
95.35
90.06
86.13
82.22
78.39
75.39
36.27
82.22
89.40
66
9.949
Assets$M
55.67
57.99
63.88
70.14
76.74
84.90
91.71
98.33
107.7
116.4
7.450
8.70%
8.24%
12
10.10
LT debt$M
2.423
2.190
2.143
2.053
2.187
2.044
2.266
2.360
2.526
2.346
6.583
1.41%
(0.82%)
85
Total assets
$116.4M
8.24%
1.08×
Revenue
$16.79M
7.44%
1.00×
Non-interest expense
$8.272M
7.19%
0.98×
Net interest income
67.71%
Non-interest income
32.29%